How banks can self-monitor their lending to comply with the equal credit opportunity act

The authors provide a step-by-step discussion of how an individual lender in the United States can self-monitor its loan process for compliance with the Equal Credit Opportunity Act and provide an empirical example for illustration. Along the way, they discuss the problems faced by individual lenders who attempt to self-monitor their lending process and conclude with a discussion of the continuing, constructive role for bank examiners and regulators in this endeavor.Regulation B: Equal Credit Opportunity

Model simulation studies to clarify the effect on saccadic eye movements of initial condition velocities set by the Vestibular Ocular Reflex (VOR)

Voluntary active head rotations produced vestibulo-ocular reflex eye movements (VOR) with the subject viewing a fixation target. When this target jumped, the size of the refixation saccades were a function of the ongoing initial velocity of the eye. Saccades made against the VOR were larger in magnitude. Simulation of a reciprocally innervated model eye movement provided results comparable to the experimental data. Most of the experimental effect appeared to be due to linear summation for saccades of 5 and 10 degree magnitude. For small saccades of 2.5 degrees, peripheral nonlinear interaction of state variables in the neuromuscular plant also played a role as proven by comparable behavior in the simulated model with known controller signals

Tracking bifurcating solutions of a model biological pattern generator

We study heterogeneous steady-state solutions of a cell-chemotaxis model for generating biological spatial patterns in two-dimensional domains with zero flux boundary conditions. We use the finite-element package ENTWIFE to investigate bifurcation from the uniform solution as the chemotactic parameter varies and as the domain scale and geometry change. We show that this simple cell-chemotaxis model can produce a remarkably wide and surprising range of complex spatial patterns

The core structure of presolar graphite onions

Of the ``presolar particles'' extracted from carbonaceous chondrite dissolution residues, i.e. of those particles which show isotopic evidence of solidification in the neighborhood of other stars prior to the origin of our solar system, one subset has an interesting concentric graphite-rim/graphene-core structure. We show here that single graphene sheet defects in the onion cores (e.g. cyclopentane loops) may be observable edge-on by HREM. This could allow a closer look at models for their formation, and in particular strengthen the possibility that growth of these assemblages proceeds atom-by-atom with the aid of such in-plane defects, under conditions of growth (e.g. radiation fluxes or grain temperature) which discourage the graphite layering that dominates subsequent formation of the rim.Comment: 4 pages, 7 figures, 11 refs, see also http://www.umsl.edu/~fraundor/isocore.htm

Scintillation light produced by low-energy beams of highly-charged ions

Measurements have been performed of scintillation light intensities emitted from various inorganic scintillators irradiated with low-energy beams of highly-charged ions from an electron beam ion source (EBIS) and an electron cyclotron resonance ion source (ECRIS). Beams of xenon ions Xe$^{q+}$ with various charge states between $q$=2 and $q$=18 have been used at energies between 5 keV and 17.5 keV per charge generated by the ECRIS. The intensity of the beam was typically varied between 1 and 100 nA. Beams of highly charged residual gas ions have been produced by the EBIS at 4.5 keV per charge and with low intensities down to 100 pA. The scintillator materials used are flat screens of P46 YAG and P43 phosphor. In all cases, scintillation light emitted from the screen surface was detected by a CCD camera. The scintillation light intensity has been found to depend linearly on the kinetic ion energy per time deposited into the scintillator, while up to $q$=18 no significant contribution from the ions' potential energy was found. We discuss the results on the background of a possible use as beam diagnostics e.g. for the new HITRAP facility at GSI, Germany.Comment: 6 pages, 8 figure

Reduced-Complexity Transmit/Receive-Diversity Systems

We consider wireless systems with transmit and receive diversity. For reduction of complexity, we propose to use hybrid selection/maximal ratio transmission at one link end, choosing L out of N antennas. We analyze the performance of such systems, giving analytical bounds and comparing them to computer simulations. Outage probability, symbol error probability, and capacity are shown. We demonstrate that in typical cases, a small number of used antennas L is sufficient to achieve considerable performance gains. We also analyze the infuence of the number of base station antennas, of fading correlation and channel estimation errors. The simulation results confirm that the proposed scheme is effective in a variety of environments

Pure rotational spectra of TiO and TiO_2 in VY Canis Majoris

We report the first detection of pure rotational transitions of TiO and TiO_2 at (sub-)millimeter wavelengths towards the red supergiant VY CMa. A rotational temperature, T_rot, of about 250 K was derived for TiO_2. Although T_rot was not well constrained for TiO, it is likely somewhat higher than that of TiO_2. The detection of the Ti oxides confirms that they are formed in the circumstellar envelopes of cool oxygen-rich stars and may be the "seeds" of inorganic-dust formation, but alternative explanations for our observation of TiO and TiO_2 in the cooler regions of the envelope cannot be ruled out at this time. The observations suggest that a significant fraction of the oxides is not converted to dust, but instead remains in the gas phase throughout the outflow.Comment: to appear in Astronomy and Astrophysic

Dust-forming molecules in VY Canis Majoris (and Betelgeuse)

The formation of inorganic dust in circumstellar environments of evolved stars is poorly understood. Spectra of molecules thought to be most important for the nucleation, i.e. AlO, TiO, and TiO2, have been recently detected in the red supergiant VY CMa. These molecules are effectively formed in VY CMa and the observations suggest that non-equilibrium chemistry must be involved in their formation and nucleation into dust. In addition to exploring the recent observations of VY CMa, we briefly discuss the possibility of detecting these molecules in the dust-poor circumstellar environment of Betelgeuse.Comment: contribution to Betelgeuse Workshop 2012: "The physics of Red Supergiants: recent advances and open questions", 26-29 Nov 2012 Paris (France